FDIC Cert #29170 · Carteret, New Jersey · Est. 1914

United Roosevelt Savings Bank - FDIC Bank Health Profile

A community-scale look at United Roosevelt Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$368M
Total assets
C
Health grade · Fair
0.24%
Return on assets
10.6%
Tier 1 capital

Data updated July 2026

The verdict

United Roosevelt Savings Bank earns a PlainBankData health grade of C (59/100), with well-capitalized at 10.64% Tier 1, 0.24% ROA, 78% efficiency ratio.

#2,206
largest of 4,313 FDIC banks by assets
49th
percentile by asset size, nationally
10.64%
Tier 1 ratio - above the 10% well-capitalized line
9th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 29170 · NJ C · 59/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (59/100)
  • LOWER-Q #3873/4307
  • PHOTO-FINISH Winchester Co-operat… · MA
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-THIN 0.24% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Winchester Co-operative Bank, MA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around United Roosevelt Savings Bank

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Savings Ban… · HI ·…59/100Bank of Marin · CA · near59/100FMS Bank · CO · near59/100United Roosevelt Sav… · NJ ·…59/100Winchester Co-operat… · MA ·…59/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around United Roosevelt Savings Bank · July 2026

What United Roosevelt Savings Bank's Call Report plate shows

United Roosevelt Savings Bank (FDIC Cert #29170) carries a PlainBankData health grade of C at 59/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,873 of 4,307. Tier 1 capital prints at 10.64%, clearing the 10% well-capitalized line. The Texas Ratio is 0.43%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.24%. Balance-sheet scale is $368M, 2,206th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Winchester Co-operative Bank (MA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around United Roosevelt Savings Bank

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

United Roosevelt Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; United Roosevelt Savings Bank remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How United Roosevelt Savings Bank's 59/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10059/100
United Roosevelt Savings Bank's composite health score
Tier 1 Capital Ratio (10.64%) 28/40
Return on Assets (ROA) (0.24%) 7/25
Texas Ratio (0.43%) 20/20
Efficiency Ratio (77.85%) 4/15

59 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$368M

Total balance-sheet footings

Total Deposits

$292M

Customer-funded liabilities

Net Loans

$300M

Outstanding loan book

Net Income

$807K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.24% 10.64% 12.04%
Basel III capital ratios - United Roosevelt Savings Bank

Where United Roosevelt Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Roosevelt Savings Bank's score of 59/100 falls in the highlighted band.

United Roosevelt Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

59 10th percentile higher than 10% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. United Roosevelt Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

United Roosevelt Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Roosevelt Savings Bank's $368M falls in the highlighted band.

Safety ratios for United Roosevelt Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

10.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.64%
Texas Ratio
0.43%
Equity Capital
$26M

What these ratios mean →

Profitability metrics: United Roosevelt Savings Bank

Return on Assets (ROA)
9th percentile nationally
0.24%
Return on Equity (ROE)
3.26%
Efficiency Ratio
77.85%

What these mean →

Income & expense at United Roosevelt Savings Bank

$18M
Interest Income
$334K
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. United Roosevelt Savings Bank reports a Texas Ratio of 0.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View United Roosevelt Savings Bank on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($368M here), outside New Jersey so the neighborhood is not state containment.

SSB Bank $368M · PA The First Citizens National Bank of U… $368M · OH First United National Bank $368M · PA TrustTexas Bank, SSB $368M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Roosevelt Savings Bank (FDIC Cert #29170) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

United Roosevelt Savings Bank Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Valley National BankPassaic $64.1B B 0.99%
Provident BankJersey City $24.9B A 1.28%
OceanFirst Bank, National AssociationToms River $14.5B B 0.61%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%